Bristlecone Holdings offers OneRoad Lending, a financing program for automotive repairs that approves a wider range of customers than traditional lenders through dynamic risk-based pricing, with no fees or risk for enrolled repair shops who are paid within 2 days and do not face chargebacks. OneRoad Lending financed over $20 million in 2016 and has relationships with several large automotive service companies and organizations.

2. Bristlecone Holdings, located in Reno,
Nevada, proudly offers-OneRoad Lending.
Currently OneRoad Lending has more than
500 automotive repair retailers enrolled and
growing daily. One Road Lending has
National relationships with Repair Pal,
Cottman Transmission and now with Pronto.
OneRoad Lending also has affiliations with
Sema, ASA and AASP.
OneRoad Lending will originate more than
$20 million in 2016!

3. “THE ROAD IS YOURS”
Financing for Tires, Wheels and Auto Repair

4. One Road Lending Overview: Market
Opportunity
Nonprime Consumer Opportunity for Online and In-Store
Over:
65 million
consumers have FICO scores below 700
46%
of consumers do not qualify for conventional consumer
financing or traditional FICO-based financing options
34%
of consumers do not have a credit card

5. One Road Lending Overview: Program Benefits
NEW CUSTOMER BASE
Our risk based lease-to-purchase program helps you convert 46%
of customers that are normally declined by prime financing or
can’t pay with credit cards
DYNAMIC RISK BASED PRICING
One Road Lending takes several factors other than
customers FICO scores into account in the approval process
NO RECOURSE
No recourse to the retailer beyond the retailers standard
warranty period and customers can return their product to
One Road Lending at any time with no hidden fees
DEDICATED SUPPORT
Our support is full-spectrum with minimal involvement from
your IT department during integration and continual support in
real-time with customer, and your sales staff

6. One Road Lending Overview: Program Benefits
EASY CHECKOUT
Customers apply and in less than 10 seconds can be
approved up to $5,000 instantly
TIMELY 100% FUNDING
No fees, No risk, No hassle. One Road Lending offers a 100%
payout to retailers and offers guaranteed, frequent funding
NO MINIMUM TERM
One Road Lending gives your customers the flexibility of
paying monthly for items they want, increasing your
average order value and overall conversions. All
customers are offered an early buyout option, to save $
NO MERCHANT FEES
No merchant discount fees, No enrollment fee, No monthly minimum
requirements & No extra equipment necessary.

7. One Road Lending Overview: Leasable Items
BROAD RANGE OF APPROVED PRODUCTS
“Products don’t default, people do” Approved Products:
•Tires & Wheels
•Automotive Service & Repair
•Car Audio and Stereo, Including Installation
•Parts and Accessories
ELIGIBLE ITEMS FOR ONE ROAD LENDING
1.Invoices which total at least $300
2.Leased items must not be sold at a price greater than
the normal cash price
3.Warranties may be added, and are billed monthly at the
cash price and term

8. One Road Lending: Retailer & Consumer
Benefits
FAST
Get the customer out the door quickly with a 5 minute end
to end approval and DocuSign transaction
NO CUSTOMER DOCUMENTS REQUIRED
One Road Lending does not require supporting
documents or verifications
HIGHER APPROVAL LIMITS
Invoice minimums of $300 with approval limits up to $5,000
for qualified customers
WARRANTIES OK
Consumer can add warranties and pay monthly, and One
Road Lending does not charge a premium or multiple on the
warranty expense

9. One Road Lending: Getting Live In-Store
5 Easy Steps
1 2 3 4 5
Your Store Can Be Live in Minutes For a Profitable Long-Term Relationship
No Floor space
One Road Lending resides
in each POS browser: no people,
no desks, no collection calls
Live Training
In-person or virtual training
for stores and/or team leads,
and ongoing virtual support
Incentivization
Close more sales, higher commissions
for sales staff and finance teams
Marketing
Suite of tents, posters,
clings, banners available
to promote and educate
customers about One
Road Lending
Data & Performance
Real-time dashboards with visibility
into your stores and sales staff
Return Customers
One Road Lending shares data
On which customers have available
credit, and how much

10. Objection Busters
I already have a finance program for my customers- OneRoad Lending is not meant to replace
your existing program(s). It is another tool for you and your store. You will find that OneRoad
Lending will approve a larger base of customers at variable terms (depending on the customer's
credit, etc.). OneRoad, unlike other consumer lending programs, does not charge any fee to our
merchants.
Consumer Lending takes too much time and effort- One Road Lending is simpler than other
programs. Customers apply on line and you create the contract within minutes for the customer
to sign, via E-Signature.
If a customer does not have the money for their repair, I don't fix their car- Many times, repairs
needed comes at an inopportune time for people. Customers appreciate payment options.
OneRoad Lending pays merchants by ACH in 2 business days. More sales mean more profit!

11. Most lenders charge too much to customers. I don't want my
customers to think that "I ripped them off"- One Road Lending
is the only lender in the auto repair industry that has dynamic
pricing. Rather than a fixed payment for all customers, lower
payments are offered to lower risk customers. Low risk
customers have very favorable terms, yet higher risk
customers are many times approved, as well. Customers are
priced fairly, based on risk. Our approval rate is currently
higher than 70%.
I don't want to deal with customer complaints to a lender and
have to worry about chargebacks later- OneRoad Lending
merchants do not have to worry about chargebacks. There is
no recourse, no chargebacks... no risk to merchants!

12. Doug Harding
Sr. VP of Origination
P (775) 200-9176
Doug.harding@bristleconeholdings.com
www.oneroadlending.com
www.bristleconeholdings.com